Frequently asked questions about purchases in Samsung Pay

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Samsung Pay lets you make purchases quickly and easily from your phone - there's a reason it's the most accepted mobile payment service. To help you learn more, we have some answers to frequently asked questions about making purchases in Samsung Pay, plus information about features like Visa Checkout, in-app purchases, and more.

Frequently asked questions about purchases

Will I have to sign a receipt when paying with Samsung Pay?

You may need to sign a receipt (physical or electronic) as you do with payments made with a physical card. This can vary depending on the store, merchant and transaction amount. You will not receive a separate physical or digital receipt from Samsung Pay.

Will I continue to earn rewards and benefits from my payment cards when I pay using Samsung Pay?

When you make a payment with Samsung Pay, you will continue to receive the rewards and benefits (such as points or cash back) your physical card provides.

Is my credit or debit card number actually stored on my device?

No. The card information is encrypted and sent to the Samsung Pay server for processing with the payment card network's (i.e., Visa, MasterCard, or American Express) tokenization server. After processing, a token is assigned to your device, and this token is used in place of the card number. When you process a payment, this token along with other transactional information is sent to the payment terminal. Your card number is not part of this data. The terminal processing the payment does not receive your card number as part of the transaction.

Is my credit or debit card number actually stored on the Samsung Pay server?

No. The card number is encrypted and passed to the payment card network's (i.e., Visa, MasterCard, or American Express) tokenization server. After processing, a token is assigned to your device, and this token is used in place of the card number. This token information is stored on the Samsung Pay server and a copy is stored on your device. Your card number is not kept on the Samsung Pay server.

I returned an item purchased with Samsung Pay, but I do not see the return amount in the app.

Samsung Pay may not show your entire transaction history, depending on the policies set by your card issuer. Refer to your payment card statement or transaction history on the card issuer's website or mobile app, if available.

Why does Samsung Pay show a $1 charge and not the whole amount?

Some merchants, like hotels, routinely place a temporary preauthorization of $1 as a way to verify the card is active. By preauthorizing your payment card, merchants do not have to place a larger hold against your account. In the case of a hotel, the $1 charge will remain until the final amount is assessed; only then will the preauthorized charge be removed and replaced with the final amount. Card issuers and payment networks (i.e., Visa, MasterCard, or American Express) may only report the initial $1 authorization to Samsung Pay and not the final transaction amount. Refer to the card issuer's mobile app, website, or statements for final transaction details. If you believe there is an error or invalid transaction, contact the card issuer.

Note: Some card issuers may not allow transactional information or may limit the number of transactions displayed in Samsung Pay.

When I’m paying in a store using my debit card in Samsung Pay, should I choose credit or debit?

During a transaction when you are prompted to select credit or debit on the payment terminal, select the appropriate type as you would with your physical card. If you are experiencing issues when using debit as the payment type, attempt the transaction again and select credit regardless of the type of card.

How many payment cards can I add in Samsung Pay?

A total of 10 payment cards can be added to Samsung Pay. These include credit cards, debit cards, and private-label credit cards (store credit cards). There is no limit to the number of gift cards that can be added to Samsung Pay.

Note: Some cards from participating banks may not be supported in Samsung Pay. Contact your bank for more information.

Can I use the same payment card with more than one device using Samsung Pay?

There are no restrictions on adding the same payment card to multiple devices. For example, if you and your spouse share a credit card, you can add the card to both devices. The total number of devices you can add the same card to may vary by the card issuer. For additional information, contact the card issuer. Gift cards can only be added to one Samsung Pay account.

Note: Some cards from participating banks may not be supported in Samsung Pay. Contact your bank for more information.

What should I do if I have an issue adding a payment card to Samsung Pay?

Contact the card issuer and verify you are adding an eligible payment card. Some cards from participating banks may not be supported in Samsung Pay. For example, if you have an ATM-only card (this is different from a debit card), you will not be able to add the card to Samsung Pay. Some card issuers may require additional authentication before they can approve the use of your card with Samsung Pay. Only gift cards from merchants who have partnered with Samsung Pay can be added. Check the list of merchants to see which retailers are supported.

Samsung Pay also requires an active internet connection when adding a payment card or gift card. Verify you are connected to the internet via a Wi-Fi network or your mobile data connection.

Can I add a payment card over Wi-Fi in Samsung Pay?

Samsung Pay requires an active internet connection when adding a payment card. You can connect via a Wi-Fi network or your mobile data connection. If an internet connection is not available, you will receive a "No network connection" message, prompting you to connect to a Wi-Fi network or turn on mobile data. However, if you are attempting to add a new card while outside the country, you may experience difficulties unless your phone has a SIM card installed and an active mobile connection.

What should I do if I receive a replacement card?

If you receive a replacement payment card from your card issuer, you should remove the original card from Samsung Pay and add the new card.

How do I set my default card for Samsung Pay?

While you cannot set a default card in Samsung Pay, you can use your favorite cards.

What do I do if I lost internet connection in the middle of adding my payment card?

An active internet connection is required when adding a payment card in Samsung Pay. If for any reason your connection is lost, Samsung Pay will be unable to verify your card until the internet connection is restored. In some instances, the payment card data will be discarded, and the card will have to be added again.

How can I cancel a payment made using Samsung Pay?

Canceling a payment made with Samsung Pay is the same as canceling a payment made on a physical card. The exact process will depend on the policies of your card issuer and the merchant you made the purchase from.

Frequently asked questions about in-app purchases

Samsung Pay also lets you make purchases in apps with one click. You may need to update the app to the latest version in order to use Samsung Pay within it, as older versions may not be supported.

Can I use Samsung Pay for in-app purchases?

Yes, as of version 2.5, you can make in-app purchases with Samsung Pay when supported by the merchant app. If it is supported, you’ll see a Samsung Pay icon in the merchant app screen at checkout. Just tap Samsung Pay, and the Samsung Pay app will open for payment card selection and authorization.

How do in-app purchases work?

In-app purchases occur as a payment option after you have selected the items in your merchant app cart or bag and you’re ready to check out. At this point, you can opt to use Samsung Pay, if supported by the merchant app, or any other supported payment method. When you opt to use Samsung Pay by tapping the Samsung Pay icon at checkout, Samsung Pay is launched automatically. You can select a card, verify or change your billing or shipping address, and authorize payment with a fingerprint/iris scan or by entering your Samsung Pay PIN.

Can I use any of my credit and debit cards enrolled in Samsung Pay for in-app payments?

Yes, in accordance with the credit limit and balance restrictions imposed by the card issuer.

Are my in-app purchases secure?

Yes, in-app purchases made with Samsung Pay are just as secure as in-store purchases made with Samsung Pay. In fact, both in-app and in-store purchases made with Samsung Pay are more secure than swiping a conventional plastic card at the point of sale.

Can I add a card for in-app payment?

Yes, you can enroll new cards by opening Samsung Pay and tapping the Menu icon in the top right corner. Then, tap Cards, and tap Add payment card. Follow the on-screen prompts to add the card.

Can I use a gift card stored in Samsung Pay for in-app payment?

In-app payments using gift cards is not currently supported by Samsung Pay.

Can I make a split payment using Samsung Pay?

Splitting a payment using more than one card is not currently supported.

Which devices running Samsung Pay support in-app payments?

In-app payments are not supported on devices running Android 5.0 or earlier.

I'm a merchant. How do I go about changing my existing merchant app to accept Samsung Pay?

Contact your Samsung Relationship Manager directly or visit Samsung Pay Business Solutions.

Frequently asked questions about Visa Checkout

Visa Checkout makes online shopping even easier by simplifying the payment process. When you add Visa Checkout to your Samsung Pay account, you can check out by authenticating with your biometrics or PIN in Samsung Pay. It lets you avoid the hassle of providing your credit card details every time you check out and keeps your information safe and secure.

Where can I use Visa Checkout?

You can use Visa Checkout at many of your favorite online stores, with many more joining each month.

Which cards can I use to make Visa Checkout transactions?

You can use any Visa card enrolled in Samsung Pay for transactions. All eligible cards will be listed for you to select at the time of purchase.

Can I use my Discover, American Express, or MasterCard cards for online transactions using Samsung Pay?

Currently, only Visa cards enrolled in Samsung Pay are eligible for Visa checkout + Samsung Pay transactions.

Can I use Samsung Pay + Visa Checkout for transactions on my desktop or merchant apps?

At this point, Visa checkout + Samsung Pay is only available on mobile devices. The supported browsers are Samsung Internet v5.4 and later, and Google Chrome v60 and later.

Who should I contact if I have questions about my Samsung Pay + Visa checkout transaction?

If you have concerns about a promotion, coupon, discount, charge, delivery of or issues related to a purchase, the status of a refund, or any customer service issues with the merchant, please contact the merchant.

If you have an issue that has not been resolved by the merchant and would like to escalate a concern about a charge or refund, we suggest that you contact the issuer of the card used to make the purchase. The customer service number can be found on the back of the card, or in Samsung Pay card details for that specific card.

How do I reset my Visa Checkout password if I forgot it?

If you forget your password, navigate to Visa Checkout. Enter your email address, and then select Send Code. Visa will send instructions on how to reset your password to the email address associated with your account. Follow the instructions to create a new password.

If you don't receive the password reset email, you should check your spam folder. If the email isn't there, request a new one, or contact Visa Checkout customer support.

My Visa Checkout account is locked. What do I do?

To prevent unauthorized access to your account, Visa Checkout accounts are locked temporarily if an incorrect username or password is entered too many times. You can unlock your account using the Forgot Password link, or you can contact Visa Checkout customer support for assistance. You will not be able to make purchases using your Visa Checkout account while the account is locked.

I am not seeing Visa Checkout on a site that is shown as supported. Why is this happening?

Some sites are set up to show the Visa Checkout option before you begin the full checkout process. Go back to your cart and check for the option there; you may need to scroll further down the page to find it.

Also, if you are signed in to the merchant’s web site using your merchant account, Visa Checkout may not be displayed at all. In order to use Visa Checkout on these sites, you may have to log out of your merchant account. 

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